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To ask the Chancellor of the Exchequer, what steps she is taking to ensure that consumers understand the contractual obligations they enter when signing digital or electronic agreements with claims management or legal services firms.
To ask the Chancellor of the Exchequer, what steps she is taking to ensure that consumers understand the contractual obligations they enter when signing digital or electronic agreements with claims management or legal services firms.
The legal and claims management sectors are regulated independently of government. The Solicitors Regulation Authority (SRA) is responsible for regulating the professional conduct of solicitors and most law firms in England and Wales, including claims management activities they undertake. The Financial Conduct Authority (FCA) regulates specified claims management activities carried out by claims management companies.
The government supports the action taken by the FCA and the SRA to ensure consumers receive clear and fair information before entering digital or electronic agreements.
The FCA requires claims management firms to ensure that all digital and electronic agreements are clear, fair, and not misleading, and that customers fully understand the agreement and services before signing. FCA action on misleading online promotions led to 9,197 promotions being withdrawn by claims management firms in 2024.
The SRA requires firms to provide clear information before any agreement is entered into – including about costs, termination provisions and ensuring proper client authority – whether instructions are given in person or online.
Letter dated 01/07/2019 from Lord Young of Cookham to Lord Young of Norwood Green and Lord Stevenson of Balmacara regarding issues raised during the debate following the Oral Statement on the Breathing Space scheme: protection for guarantor loans, capping the cost of guarantor loans. 2p.
Letter dated 01/07/2019 from Lord Young of Cookham to Lord Young of Norwood Green and Lord Stevenson of Balmacara regarding issues raised during the debate following the Oral Statement on the Breathing Space scheme: protection for guarantor loans, capping the cost of guarantor loans. 2p.
Motion to consider. Agreed to on question.
Motion to consider. Agreed to on question.
To ask Mr Chancellor of the Exchequer, what information his Department holds on changes in the level of use of personal contracts for agreements in the last five years; what assessment he has made of the reasons for those changes; and if he will extend the provisions of the Consumer...
To ask Mr Chancellor of the Exchequer, what information his Department holds on changes in the level of use of personal contracts for agreements in the last five years; what assessment he has made of the reasons for those changes; and if he will extend the provisions of the Consumer...
The Government is committed to supporting businesses to offer their customers choice about how they pay for goods and services. Payment by instalments can provide consumers with a helpful way to spread the costs of household goods and services, and this can be an important budgeting tool for consumers.
The Government took action in 2015 to exempt credit that is provided free of interest and charges over less than 12 months from Financial Conduct Authority (FCA) regulation, unless 12 or more repayments are due.
To be exempt from FCA regulation, the credit agreement must not be a conditional sale, hire purchase or pawn agreement, and must not finance the purchase of land. The credit agreement must finance the purchase of specific goods or services, must be for a fixed amount, and must contain no charges, interest or administration fees.
The provisions within the Consumer Credit Act 1974 (CCA) to enable full payment ahead of time do not apply to agreements which fall under this exemption. The CCA provides important safeguards to protect consumers, and so the exemption is limited to agreements which meet the specified criteria. The Government has no plans to modify this exemption.
I beg to move,
That leave be given to bring in a Bill to require the Financial Conduct Authority to make rules restricting the cost of credit for unauthorised overdrafts on bank accounts in certain circumstances; and for connected purposes.
I want to begin by urging all parties to include in their...
I beg to move,
That leave be given to bring in a Bill to require the Financial Conduct Authority to make rules restricting the cost of credit for unauthorised overdrafts on bank accounts in certain circumstances; and for connected purposes.
I want to begin by urging all parties to include in their...
Ten minute rule motion for leave to bring in a Bill. Agreed to on question. Presentation and first reading (Bill 172). To be read a second time on 12 May.
Ten minute rule motion for leave to bring in a Bill. Agreed to on question. Presentation and first reading (Bill 172). To be read a second time on 12 May.
My Lords, this House has done much important work in tackling high cost and exploitative credit, thanks largely to the most reverend Primate the Archbishop of Canterbury and my noble friends Lord Mitchell, Lord Stevenson and Lord Kennedy of Southwark.
Amendment 105L concerns a new, unregulated and somewhat exploitative form of...
My Lords, this House has done much important work in tackling high cost and exploitative credit, thanks largely to the most reverend Primate the Archbishop of Canterbury and my noble friends Lord Mitchell, Lord Stevenson and Lord Kennedy of Southwark.
Amendment 105L concerns a new, unregulated and somewhat exploitative form of...
Clauses 19 to 23 agreed to. Written evidence reported to the House.
Clauses 19 to 23 agreed to. Written evidence reported to the House.
Motion made that this House takes note of European Union Document No. 8680/11 and Addenda 1 to 4, relating to a draft Directive of the European Parliament and of the Council on credit agreements relating to residential property; notes the success that the UK has achieved against its key negotiating priorities in Council negotiations on this Directive and that the Government recognises the importance of a sustainable mortgage market to support a stable housing market; and supports the Government’s view that the proposed Directive should recognise differences that exist between national mortgage markets.—(Mr Syms.) Agreed on question.
Motion made that this House takes note of European Union Document No. 8680/11 and Addenda 1 to 4, relating to a draft Directive of the European Parliament and of the Council on credit agreements relating to residential property; notes the success that the UK has achieved against its key negotiating...
SI 2010/1010. With an explanatory memorandum and impact assessment from the Department for Business Innovation and Skills. Coming into force in accordance with regulations 99 and 101.
SI 2010/1010. With an explanatory memorandum and impact assessment from the Department for Business Innovation and Skills. Coming into force in accordance with regulations 99 and 101.
I want to be charitable this evening, because I believe that there will be a change of Government in three to four months, and that is a good thing. The democratic wheel turns and other people get their turn in Parliament; and then in 10 years' time we will all...
I want to be charitable this evening, because I believe that there will be a change of Government in three to four months, and that is a good thing. The democratic wheel turns and other people get their turn in Parliament; and then in 10 years' time we will all...